What should I do if a creditor refuses to negotiate a debt settlement?

Related FAQs

How do I report a debt settlement to the IRS?
How does debt settlement impact my credit score?
What penalties or interest can creditors charge when settling debt?
What is a debt settlement plan and how does it work?
How much money can I save by settling a debt?
Can I negotiate a debt settlement over the phone?
How long will it take to settle a debt?
Is debt settlement a better solution than bankruptcy?
Is debt settlement better than bankruptcy?
What are the guidelines for debt settlement under law?

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